Publications Inner Nav
18 September 23
What do the PSD3 and PSR mean for the payments sector?
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council or the European Commission. On June 28, 2023, the European Commission (EC) published a set of new legislative proposals, notably for a Third Payment Services Directive
28 July 23
Payments in wartime: the story of the National Bank of Ukraine
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Russia invaded Ukraine on 24 February 2022. Ever since, martial law has made ensuring the country’s economic and financial stability a challenge for the National Bank
18 July 23
The Croatian payment landscape
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Croatia became the 20th EU Member State to join the euro on 1 January this year. Since the end of June, the SEPA Instant Credit Transfer (SCT Inst) scheme has been in
22 June 23
The role of payments in driving positive climate action
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. We continue our series of interviews focusing on sustainability in the payments industry with the contribution of Valerie Nowak, the Chief Product and Innovation Offic
31 May 23
A pathway to improve the security of card payment systems
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The Smart Payment Association (SPA) is the trade body of the cards and mobile payments industry and addresses the challenges of a fast-evolving payment ecosystem, prom
25 May 23
One-Leg Out Instant Credit Transfer scheme – enabling faster payments between SEPA and the rest of the globe
On 28 March 2023, the European Payment Council (EPC) published the first version of its One-Leg Out (OLO) Instant Credit Transfer (OCT Inst) scheme rulebook. This new scheme allows payment service providers (PSPs) to handle the Euro Leg of an international cross-border and/or cross currency (instant
28 April 23
The SRTP scheme - Steady and ready to take off in 2023
On 30 November 2020, the European Payment Council (EPC) published the first version of its Single Euro Payments Area (SEPA) Request-To-Pay scheme (SRTP) rulebook. Today the scheme is set to take off and already counts some registered participants, as well as new ones that are going to launch soon. W
20 April 23
New EPC Director General Giorgio Andreoli outlines his vision and the challenges ahead
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Giorgio Andreoli took up the post of Director General of the European Payments Council (EPC) on 1 April 2023. We interviewed him to shed light on his first impressions
30 March 23
State of play, challenges, perspectives for European payments - Interview with Etienne Goosse
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The European payment landscape is going through a considerable transformation due to technological developments, entry by new actors and regulatory changes. We intervi
22 March 23
Integrating a more sustainable mindset to payments
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. We continue our series of interviews focusing on sustainability in the payments industry with the contribution of Stephen King, Vice President, Sustainability Solution
28 February 23
Green payments: sustainability by design for a more viable future
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Currently, more and more companies talk about sustainability and are starting to take action to change their products to become more environmentally friendly and creat
23 February 23
How the Dutch became the frontrunners in payment transformation
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The Netherlands has a fascinating and ever-changing payment landscape where card payments are increasing each year and are preferred over cash payments. We wanted to k
27 January 23
How Lithuania’s payment landscape is changing
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. We continue our series of European payment landscapes with a profile of Lithuania. Lithuania’s payment service provider (PSP) community was among the first to adhere t
20 January 23
The transformation of the UK payments landscape
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. We continue our series of European payment landscapes with the profile of the United Kingdom (UK), and we interviewed Jana Mackintosh, Managing Director for Payments a
21 December 22
SEPA Payment Account Access scheme: going beyond open banking
The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. Single Euro Payments Area (SEPA) Payment Account Access (SPAA) is the newest European Payments Council (EPC) scheme. SPAA covers messaging functionalities allowing th
28 November 22
SCT Inst scheme – where are we now and where are we heading?
This time of the year is very special for the European Payments Council (EPC): the Single Euro Payments Area (SEPA) Instant credit transfer (SCT Inst) scheme is celebrating its fifth anniversary! To mark this occasion, we are sharing the most significant achievements of the SCT Inst scheme, its oppo
16 November 22
European Commission's proposal for a regulation on instant payments
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. On 26 October the European Commission (EC) adopted a legislative proposal on instant payments in euro, fulfilling its commitment of the 2020 Retail Payments Strategy f
26 October 22
The Nordic Payments Council: harmonising payments in the Nordics
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The Nordic Payments Council (NPC) plays a critical role in the management of Nordic payment schemes. Newly appointed Secretary General Camilla Åkerman offers us her vi
14 October 22
Accessibility to retail payments in the EU
The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. The European retail payments landscape has changed due to a multitude of reasons: innovation, regulatory developments, the Covid-19 pandemic and changing consumer hab
20 September 22
The Irish payment landscape: a digital transformation
The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. We continue our series of European payment landscapes with the profile of Ireland, and we interviewed Gillian Byrne Head of Payments, at Banking & Payments Federat